Credit Analyst

Requisition and Specialist Recruiter Details

REQ 144194  -  Twanette Coetser

Closing Date  -  23 February 2026

Location and Cluster

Business Commercial Banking - Commercial Underwriting

135 Rivonia Road, Sandton

Career Stream

Leadership Pipeline

Credit Analyst

Job Purpose

Job Responsibilities

• Interpret Financial results based on the annual Financial statements or models provided by analysing and extracting the relevant information for the internal rating process.
• Interact with the front office with regards to the transaction structure to determine the relevant rating models to be applied and provide input with regards to the potential risk mitigates.
• Assist the credit managers with the final ratings by preparing the Credit Risk Application (CRA) with the relevant supporting documents.
• Advise credit managers and the front office by providing an explanation of returns and ratings results.
• Maintain good client relationships by providing timely guidance and accurate information to stakeholders.
• Ensure consistency of information by providing a summary of inputs used for the models to the front office.
• Ensure that client needs are met by facilitating communication between the model developers and the front office.
• Ensure that deadlines are met through the efficient and appropriate allocation of work, enabling every analyst to get a chance to work on different portfolios.
• Ensure that the model used is appropriate by interacting with credit managers and front office regarding transactions.
• Liaise with other departments within Risk with regards to inputs that are required for credit ratings by providing updates and giving feedback on models.
• Provide ad hoc training and coaching to junior staff within credit and new staff members within Investment Banking (IB) through provision of manuals, explanations and demonstrations.
• Support the achievement of the  business strategy, objectives and values by reviewing Nedbank and Business Unit Plan and ensuring delivered systems, process, services and solutions are aligned.
• Identify training courses and career progression for self through input and feedback from management.
• Ensure all personal development plan activities are completed within specified timeframe.
• Share knowledge and industry trends with team and stakeholders during formal and informal interaction.
• Obtain buy-in for developing new and/or enhanced processes (e.g. operational processes) that will improve the functioning of stakeholders' businesses by highlighting benefits in support of the implementation of recommendations. 
• Contribute to a culture conducive to the achievement of transformation goals by participating in Nedbank Culture building initiatives (e.g. staff surveys etc).
• Participate and support corporate responsibility initiatives for the achievement of business strategy (e.g. Green Strategy).
• Seek opportunities to improve business processes and systems by identifying and recommending effective ways to operate and adding value to Nedbank.

Requirements

• Min 3 Years' Credit Analysis experience in assessing creditworthiness of current and prospective clients.
• Min 3 Years' Business Banking experience in evaluating current and prospective clients financial Statements and credit reports to determine their ability to honor debt obligations.
• NQF Level 6 or Higher in a Financial Management, Accounting or Analysis-related field

Technical / Professional Knowledge

Behavioural Competencies